Friday, March 23, 2007

My Insurance Discount Saga Continues

Yes, now it's become a saga. My earlier post discussed the homeowners insurance discount I got by increasing my deductibles for hurricane and peril. I also got a discount by slightly reducing the estimated replacement value of my house. I had pursued a further discount by having my original builder, Felix Beukenkamp,a state certified general contractor, fill out a detailed insurance form that asked for specifications about my construction. The insurance agent told me no photos were necessary. Some of the items would in fact get me a discount, because I do have a hip roof and have a higher-code roof deck attachment. Two weeks later I get a call that the insurance company now wants photos. My husband, Randy, fully equipped with his new camera, climbs into the attic amidst insulation to take pictures. He also takes photos of the hip roof from multiple angles. I emailed these to the insurance agent. She says, "I have never had anyone send in the roof deck pictures post-construction for a discount". She implied they may not accept my photos as evidence since insulation partially obstructs the construction. She said she would let me know. Well, I made it clear that I felt like I was getting the run-around, and that I would be seeking further relief if the insurance company denied the fact that I should be getting a discount. I will advise you of how this progresses. Let me know if you have had a similar experience.